Heidi will receive payments of 7,000 at the beginning of each year for 20 years. Roger will receive payments of X at the beginning of each year for 14 years. At an annual effective interest rate of 9%, the present value of Heidi's payments is equal to the present value of Roger's payments. O a. 2,344.81 O b. 12,641.24 c. 4,287.55 O d. 5,970.62 O e. 8,206.86